Wall FinancialWFICF 69 Altman Z-Score is 0.68 as of Jun. 28, 2026, which is 15% below its 10-year median of 0.80. GuruFocus rates WFICF with a GF Score™ of 69/100 and a GF Value™ of $12.01 (Modestly Overvalued). The stock has 12 warning signs investors should review. Among 840 Travel & Leisure companies, Wall Financial ranks worse than 78.57% on this metric.
The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.
Warning Sign:
Altman Z-score of 0.69 is in distress zone. This implies bankruptcy possibility in the next two years.
Wall Financial has a Altman Z-Score of 0.68, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.
The zones of discrimination were as such:
When Altman Z-Score <= 1.8, it is in Distress Zones.
When Altman Z-Score >= 3, it is in Safe Zones.
When Altman Z-Score is between 1.8 and 3, it is in Grey Zones.
The historical rank and industry rank for Wall Financial's Altman Z-Score or its related term are showing as below:
WFICF'
s Altman Z-Score Range Over the Past 10 Years
Min: 0.44 Med: 0.8 Max: 1.96
Current: 0.69
During the past 13 years, Wall Financial's highest Altman Z-Score was 1.96. The lowest was 0.44. And the median was 0.80.
X1: The Working Capital/Total Assets (WC/TA) ratio is a measure of the net liquid assets of the firm relative to the total capitalization. Working capital is defined as the difference between current assets and current liabilities. Ordinarily, a firm experiencing consistent operating losses will have shrinking current assets in relation to total assets. Altman found this one proved to be the most valuable liquidity ratio comparing with the current ratio and the quick ratio. This is however the least significant of the five factors.
X2: Retained Earnings/Total Assets: the RE/TA ratio measures the leverage of a firm. Retained earnings is the account which reports the total amount of reinvested earnings and/or losses of a firm over its entire life. Those firms with high RE, relative to TA, have financed their assets through retention of profits and have not utilized as much debt.
X3, Earnings Before Interest and Taxes/Total Assets (EBIT/TA): This ratio is a measure of the true productivity of the firm's assets, independent of any tax or leverage factors. Since a firm's ultimate existence is based on the earning power of its assets, this ratio appears to be particularly appropriate for studies dealing with corporate failure. This ratio continually outperforms other profitability measures, including cash flow.
X4, Market Value of Equity/Book Value of Total Liabilities (MVE/TL): The measure shows how much the firm's assets can decline in value (measured by market value of equity plus debt) before the liabilities exceed the assets and the firm becomes insolvent.
X5, Revenue/Total Assets (S/TA): The capital-turnover ratio is a standard financial ratio illustrating the sales generating ability of the firm's assets.
Altman Z-Score does not apply to financial companies.
Wall Financial Altman Z-Score Related Terms
Wall Financial Altman Z-Score Historical Data
* Premium members only.
The historical data trend for Wall Financial's Altman Z-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Lodging subindustry, Wall Financial's Altman Z-Score, along with its competitors' market caps and Altman Z-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Wall Financial Altman Z-Score vs Travel & Leisure Industry
For the Travel & Leisure industry and Consumer Cyclical sector, Wall Financial's Altman Z-Score distribution charts can be found below:
* The bar in red indicates where Wall Financial's Altman Z-Score falls into.
Altman Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
Wall Financial's Altman Z-Score for today is calculated with this formula:
Z
=
1.2
*
X1
+
1.4
*
X2
+
3.3
*
X3
+
0.6
*
X4
+
1.0
*
X5
=
1.2
*
-0.3086
+
1.4
*
0.1556
+
3.3
*
0.0656
+
0.6
*
0.7415
+
1.0
*
0.1697
=
0.68
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency. GuruFocus does not calculate Altman Z-Score when X4 or X5 value is 0.
Wall Financial (WFICF) has a Altman Z-Score of 0.68 as of Jun. 28, 2026. The Altman Z-score measures a company's bankruptcy risk. View historical data on Wall Financial and its competitors. This is 15% below median its historical median of 0.80. Over the past decade, Wall Financial's Altman Z-Score has ranged from 0.44 to 1.96. According to the industry distribution chart, Wall Financial ranks #660 out of 840 companies in the Travel & Leisure industry, placing it in the top 78.6%.
Is Wall Financial's Altman Z-Score too high?
Wall Financial's current Altman Z-Score of 0.68 is 15% below median its 10-year median of 0.80. Over the past 10 years, this metric has ranged from a low of 0.44 to a high of 1.96. The Travel & Leisure industry median Altman Z-Score is 1.98. Wall Financial's value of 0.68 is 65.6% below this industry median. Based on the distribution chart, Wall Financial ranks #660 out of 840 companies in the Travel & Leisure industry, which is in the bottom quartile relative to peers. Overall, Wall Financial has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Wall Financial's Altman Z-Score compare to MAR and HLT?
According to the Travel & Leisure industry distribution chart, Wall Financial ranks #660 out of 840 companies for Altman Z-Score. This places Wall Financial in the lower half of its industry. The industry median Altman Z-Score is 1.98. Wall Financial's value of 0.68 is 65.6% below this benchmark. Historically, Wall Financial's own Altman Z-Score has ranged from 0.44 to 1.96 over the past decade. While the company's 10-year median is 0.80 vs. the industry median of 1.98, Wall Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Altman Z-Score for a Travel & Leisure company?
The median Altman Z-Score among Travel & Leisure companies is 1.98, based on 840 companies in the industry. Companies in the top quartile (top 25%) have a Altman Z-Score significantly above this median, while those in the bottom quartile fall well below. However, Altman Z-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Wall Financial's current Altman Z-Score of 0.68 is 65.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Altman Z-Score mean?
A high Altman Z-Score can signal that a stock is expensive relative to its fundamentals. The Altman Z-score measures a company's bankruptcy risk. View historical data on Wall Financial and its competitors. For the Travel & Leisure industry, the median Altman Z-Score is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Wall Financial's current Altman Z-Score is 0.68, which is 15% below median its own 10-year median of 0.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Wall Financial stock overvalued right now?
Based on GuruFocus' analysis, Wall Financial (WFICF) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.01, compared to a current price of $13.58 — trading 13.1% above its estimated fair value. The current Altman Z-Score is 0.68, which is 15% below median its 10-year median of 0.80 and 65.6% below the Travel & Leisure industry median of 1.98. Wall Financial's overall GF Score™ is 69/100 with 12 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Altman Z-Score calculated?
Altman Z-Score is calculated from a company's financial statements. For Wall Financial (WFICF), the current Altman Z-Score is 0.68 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Wall Financial (WFICF) Overvalued in 2026?
Based on GuruFocus' analysis, Wall Financial stock appears to be overvalued.
The current stock price of $13.58 is trading 13.1% above its estimated GF Value™ of $12.01.
GuruFocus considers Wall Financial to be Modestly Overvalued.
Key valuation signals for WFICF:
Altman Z-Score: 0.68 (15% below median its 10-year median of 0.80)
GF Value™: $12.01 vs. price of $13.58 (13.1% above fair value)
Industry Position: 65.6% below the Travel & Leisure median (#660 of 840)
No single metric tells the full story. See the WFICF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Wall Financial Corp operates predominantly in the Greater Vancouver area of British Columbia in the development and management of residential rental units, development and construction of residential housing for re-sale, and the development and management of hotel properties. The company operates in three different segments of the real estate industry: ownership and management of revenue-producing residential and commercial properties (Rental), ownership and management of hotel properties (Hotel), and the development and sale of residential housing (Development). It derives the majority of the revenue from Rental segment.
69GF Score
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